Risk Underwriters Grp LLC a RR
Major Rating Factors:
Poor long-term capitalization index (0.1 on a scale of 0 to 10) based on weak current risk adjusted capital (severe and moderate loss scenarios). A history of deficient reserves (1.8) that places pressure on both capital and profits. In 2025 the one year reserve development was 168.7% deficient. Weak profitability index (2.0) with operating losses during 2024 and 2025.
Other Rating Factors:
Weak overall results on stability tests (0.0) including excessive premium growth, weak risk adjusted capital in prior years and lack of operational experience. The largest net exposure for one risk is excessive at 113.0% of capital. Good liquidity (5.1) with sufficient resources (cash flows and marketable investments) to handle a spike in claims.
Stability Factors:
C - Past results on our Risk-Adjusted Capital tests.
D - Limited diversification of general business, policy, and/or investment risk.
E - Lack of operating experience.
G - Fast asset or premium growth.
Principal Lines of Business:
Med mal (99.7%), other (0.3%)
Licensed in:
VT
Principal Investments:
Investment grade bonds (49.5%), cash (45.7%), other (4.8%)
Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
159 Bank Street
Burlington, VT 05401
Burlington, VT 05401
Phone Number
(802) 860-1958
NAIC Number
17635
Website
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